{"id":10346,"date":"2026-11-09T20:15:03","date_gmt":"2026-11-09T19:15:03","guid":{"rendered":"https:\/\/elhetomagyarorszag.hu\/?p=10346"},"modified":"2026-11-09T20:15:03","modified_gmt":"2026-11-09T19:15:03","slug":"illetekmentes-atutalas-ertekhatar-valtozas-2027","status":"publish","type":"post","link":"https:\/\/elhetomagyarorszag.hu\/index.php\/2026\/11\/09\/illetekmentes-atutalas-ertekhatar-valtozas-2027\/","title":{"rendered":"Ingyenes lesz az utal\u00e1s 2027 janu\u00e1rt\u00f3l, 150 ezer forintig illet\u00e9kmentes a bankol\u00e1s"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Komoly m\u00e9rf\u00f6ldk\u0151h\u00f6z \u00e9rkezik a hazai lakoss\u00e1gi bankol\u00e1s 2027. janu\u00e1r 1-j\u00e9vel. A parlament el\u00e9 beny\u00fajtott \u00faj t\u00f6rv\u00e9nyjavaslat \u00e9rtelm\u00e9ben ugyanis az <strong>illet\u00e9kmentes \u00e1tutal\u00e1s<\/strong> \u00e9rt\u00e9khat\u00e1ra a jelenlegi 50 000 forintr\u00f3l a h\u00e1romszoros\u00e1ra, <strong>150 000 forintra emelkedik<\/strong> a mag\u00e1nszem\u00e9lyek eset\u00e9ben. A BiztosD\u00f6nt\u00e9s.hu p\u00e9nz\u00fcgyi szakport\u00e1l friss elemz\u00e9se szerint a m\u00f3dos\u00edt\u00e1s nyom\u00e1n a hazai egyedi forint\u00e1tutal\u00e1sok sz\u00e1mszer\u0171 ar\u00e1nya a mostani 62 sz\u00e1zal\u00e9kr\u00f3l ak\u00e1r 80 sz\u00e1zal\u00e9k k\u00f6zel\u00e9be is ugorhat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A Magyar Nemzeti Bank (MNB) legfrissebb, 2026 m\u00e1sodik negyed\u00e9ves statisztik\u00e1i vil\u00e1gosan mutatj\u00e1k az int\u00e9zked\u00e9s v\u00e1rhat\u00f3 hat\u00e1sait. Az adatok szerint az egyedi forint\u00e1tutal\u00e1sok 61,8 sz\u00e1zal\u00e9ka eleve nem haladta meg az 50 000 forintot, m\u00edg 72,8 sz\u00e1zal\u00e9kuk 100 000 forint alatt maradt. Mivel a 100 000 \u00e9s 1 milli\u00f3 forint k\u00f6z\u00f6tti tranzakci\u00f3k a teljes forgalom mind\u00f6ssze 22,3 sz\u00e1zal\u00e9k\u00e1t teszik ki, a szak\u00e9rt\u0151k magabiztosan prognosztiz\u00e1lj\u00e1k, hogy a 150 000 forint alatti utal\u00e1sok ar\u00e1nya \u00f6ssznemzeti szinten is j\u00f3csk\u00e1n meghaladja majd a 75-80 sz\u00e1zal\u00e9kot.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Kiknek kedvez az illet\u00e9kmentes \u00e1tutal\u00e1s \u00faj szab\u00e1lyoz\u00e1sa?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A statisztik\u00e1k m\u00f6g\u00e9 n\u00e9zve egy\u00e9rtelm\u0171, hogy az \u00faj szab\u00e1lyoz\u00e1s abszol\u00fat nyertese a lakoss\u00e1g. A h\u00e1ztart\u00e1sok ind\u00edtj\u00e1k az egyedi forintalap\u00fa tranzakci\u00f3k t\u00f6bb mint fel\u00e9t (54,9%). A teljes \u00e1tutalt p\u00e9nzmennyis\u00e9gnek viszont csup\u00e1n a 4,2 sz\u00e1zal\u00e9k\u00e1\u00e9rt felelnek.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ezzel szemben a 10 milli\u00f3 forint feletti nagy \u00f6sszeg\u0171 utal\u00e1sok a teljes p\u00e9nzforgalom k\u00f6zel 91 sz\u00e1zal\u00e9k\u00e1t adj\u00e1k. Ezek szinte kiz\u00e1r\u00f3lag a v\u00e1llalati szektorhoz k\u00f6thet\u0151k, a darabsz\u00e1muk pedig eleny\u00e9sz\u0151. Ez a drasztikus eloszl\u00e1s igazolja a lakoss\u00e1gi ar\u00e1nyokat. A lakoss\u00e1gi szf\u00e9r\u00e1ban a 150 000 forint alatti mindennapi utal\u00e1sok ar\u00e1nya val\u00f3j\u00e1ban a 80 sz\u00e1zal\u00e9kot is messze t\u00falhaladja. P\u00e9nz\u00fcgyi szempontb\u00f3l a mag\u00e1nszem\u00e9lyek minden egyes, legal\u00e1bb 150 000 forintos utal\u00e1s alkalm\u00e1val <strong>450 forintot sp\u00f3rolnak meg<\/strong>. A kedvezm\u00e9ny r\u00e1ad\u00e1sul nem egy\u00f6sszeg\u0171 korl\u00e1t. A lakoss\u00e1gi banksz\u00e1ml\u00e1kon az illet\u00e9kmentes \u00e1tutal\u00e1s lehet\u0151s\u00e9ge minden egyes tranzakci\u00f3ra \u00e9rv\u00e9nyes. Ez automatikusan az els\u0151 150 000 forintra vonatkozik. Fontos megjegyezni, hogy a statisztik\u00e1kat az \u00faj qvik-utal\u00e1sok is \u00e1rnyalj\u00e1k. Ilyenek p\u00e9ld\u00e1ul a fizet\u00e9si k\u00e9relmekre \u00e9p\u00fcl\u0151 tranzakci\u00f3k. Ezek jogszab\u00e1lyilag minden esetben teljesen illet\u00e9kmentesek.Ha \u00e9rdeklik a kor\u00e1bbi banki k\u00f6lts\u00e9gek \u00e9s trendek alakul\u00e1sai, <a href=\"https:\/\/www.digitalhungary.hu\/uzlet\/\" target=\"_blank\" rel=\"noopener\">ide kattintva olvashatja el a kor\u00e1bbi banksz\u00e1mla-elemz\u00e9s\u00fcnket is<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">T\u00f6rt\u00e9nelmi \u00edv \u00e9s a v\u00e1llalati terhek n\u00f6veked\u00e9se<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A lakoss\u00e1gi illet\u00e9kmentes s\u00e1v bevezet\u00e9se \u00f3ta fokozatosan n\u00f6vekedett. A tranzakci\u00f3s illet\u00e9k 2013-as indul\u00e1sakor m\u00e9g nem l\u00e9tezett ilyen kedvezm\u00e9ny. 2019-ben vezett\u00e9k be az els\u0151 20 000 forintig terjed\u0151 mentess\u00e9get, amelyet 2024 augusztus\u00e1ban \u2013 a kulcs 0,3-r\u00f3l 0,45 sz\u00e1zal\u00e9kra emel\u00e9s\u00e9vel egy id\u0151ben \u2013 n\u00f6veltek 50 000 forintra. A mostani, 150 000 forintra t\u00f6rt\u00e9n\u0151 emel\u00e9s ennek a folyamatnak a cs\u00facspontja.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A t\u00f6rt\u00e9netnek ugyanakkor van egy m\u00e1sik oldala is. Mik\u00f6zben a lakoss\u00e1g terhei cs\u00f6kkennek, a k\u00f6lts\u00e9gvet\u00e9s nem mond le a bev\u00e9telekr\u0151l: az utal\u00e1sonk\u00e9nti <strong>maxim\u00e1lis illet\u00e9kplafon 20 000 forintr\u00f3l 30 000 forintra emelkedik<\/strong>. Ez a v\u00e1ltoz\u00e1s a nagyj\u00e1b\u00f3l 4,4 milli\u00f3 forint feletti utal\u00e1sokat dr\u00e1g\u00edtja meg. A maximumot a 6,7 milli\u00f3 forint feletti tranzakci\u00f3kn\u00e1l \u00e9ri el. Mivel ezek a t\u00e9telek szinte kiz\u00e1r\u00f3lag a v\u00e1llalatokat \u00e9rintik, a korm\u00e1nyzat sz\u00e1m\u00edt\u00e1sai szerint a k\u00e9t int\u00e9zked\u00e9s egyenlegek\u00e9nt a tranzakci\u00f3s illet\u00e9kb\u0151l sz\u00e1rmaz\u00f3 \u00e1llami bev\u00e9tel <strong>40 milli\u00e1rd forinttal n\u00f6vekedni fog<\/strong>, \u00edgy az idei 606 milli\u00e1rdos b\u00e1zis ut\u00e1n m\u00e9g komolyabb forr\u00e1st biztos\u00edt a k\u00f6lts\u00e9gvet\u00e9snek.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Az olcs\u00f3bb \u00e9s egyszer\u0171bb p\u00e9nzk\u00fcld\u00e9s komoly seg\u00edts\u00e9g a mindennapokban. A digit\u00e1lis t\u00e9rben azonban tov\u00e1bbra is a p\u00e9nz\u00fcnk biztons\u00e1ga a legfontosabb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A kedvez\u0151 szab\u00e1lyok kihaszn\u00e1l\u00e1sa mellett figyelj\u00fcnk kiemelten az online csal\u00e1sokra a bankol\u00e1s sor\u00e1n. Soha ne adjuk meg az adatainkat gyan\u00fas fel\u00fcleteken! <strong><a href=\"https:\/\/elhetomagyarorszag.hu\/index.php\/2026\/01\/12\/ujabb-online-csalasok\/\">Vigy\u00e1zzunk, legy\u00fcnk \u00f3vatosak!<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Forr\u00e1s:<\/strong> <a href=\"https:\/\/www.digitalhungary.hu\/uzlet\/itt-a-kovetkezmeny-jovore-az-atutalasok-80-szazaleka-illetekmentesse-valik\/79298\/\">DigitalHungary \u2013 Itt a k\u00f6vetkezm\u00e9ny: j\u00f6v\u0151re az \u00e1tutal\u00e1sok 80 sz\u00e1zal\u00e9ka illet\u00e9kmentess\u00e9 v\u00e1lik<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Komoly m\u00e9rf\u00f6ldk\u0151h\u00f6z \u00e9rkezik a hazai lakoss\u00e1gi bankol\u00e1s 2027. janu\u00e1r 1-j\u00e9vel. A parlament el\u00e9 beny\u00fajtott \u00faj t\u00f6rv\u00e9nyjavaslat \u00e9rtelm\u00e9ben ugyanis az illet\u00e9kmentes \u00e1tutal\u00e1s \u00e9rt\u00e9khat\u00e1ra a jelenlegi 50 000 forintr\u00f3l a h\u00e1romszoros\u00e1ra, 150 000 forintra emelkedik a mag\u00e1nszem\u00e9lyek eset\u00e9ben. A BiztosD\u00f6nt\u00e9s.hu p\u00e9nz\u00fcgyi szakport\u00e1l friss elemz\u00e9se szerint a m\u00f3dos\u00edt\u00e1s nyom\u00e1n a hazai egyedi forint\u00e1tutal\u00e1sok sz\u00e1mszer\u0171 ar\u00e1nya a mostani 62 [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":10347,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[24,21,1],"tags":[5081,5087,5082,5080,5085,5086,5084,5083],"class_list":["post-10346","post","type-post","status-publish","format-standard","has-post-thumbnail","category-elheto-elet","category-kultura-bulvar","category-uncategorized","tag-atutalas","tag-bankolas-2027","tag-biztosdontes-hu","tag-lakossagi-bankszamla","tag-mnb-statisztika","tag-penzugyi-torvenyjavaslat","tag-qvik-utalas","tag-tranzakcios-illetek"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Illet\u00e9kmentes \u00e1tutal\u00e1s 2027: V\u00e1ltozik az \u00e9rt\u00e9khat\u00e1r janu\u00e1rt\u00f3l<\/title>\n<meta name=\"description\" content=\"Komoly k\u00f6nny\u00edt\u00e9s j\u00f6n: 2027. janu\u00e1r 1-j\u00e9t\u0151l 150 000 forintra n\u0151 az illet\u00e9kmentes \u00e1tutal\u00e1s hat\u00e1ra. Mutatjuk, ki mennyit sp\u00f3rol j\u00f6v\u0151re!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/elhetomagyarorszag.hu\/index.php\/2026\/11\/09\/illetekmentes-atutalas-ertekhatar-valtozas-2027\/\" \/>\n<meta property=\"og:locale\" content=\"hu_HU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Illet\u00e9kmentes \u00e1tutal\u00e1s 2027: V\u00e1ltozik az \u00e9rt\u00e9khat\u00e1r janu\u00e1rt\u00f3l\" \/>\n<meta property=\"og:description\" content=\"Komoly k\u00f6nny\u00edt\u00e9s j\u00f6n: 2027. janu\u00e1r 1-j\u00e9t\u0151l 150 000 forintra n\u0151 az illet\u00e9kmentes \u00e1tutal\u00e1s hat\u00e1ra. 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